The Perks of Buying over Renting

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  The Perks of Buying over Renting Thinking about buying a home? While today’s  mortgage rates  might seem a bit intimidating, here are two solid reasons why, if you’re ready and able, it could still be a smart move to get  your own place . 1. Home Values Typically Go Up Over Time There’s been some confusion over the past year or so about which way  home prices  are headed. Make no mistake, nationally they’re still going up. In fact, over the long-term,  home prices  almost always go up ( see graph below ): Using  data  from the  Federal Reserve  (the Fed), you can see the overall trend is home prices have climbed steadily for the past 60 years. There was an exception during the 2008 housing crash when prices didn't follow the normal pattern, but generally, home values kept rising. This is a big reason why  buying a home  can be better than  renting . As prices go up and you pay down your mortgage, you build  equity . Over time, this growing equity can really increase your net wort
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A TO-DO LIST YOU’LL LOVE: JANUARY GARDENING

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Ah, a whole year of gardening is ahead of us. January is the best time to pause, reflect and prepare for a year of incredible gardening.
OK, tired of reflecting? Here are a few winter gardening tips to keep you busy this January!


Things to Do in the Garden in January:
Ward off those winter blues with a hearty helping of green, gardening thoughts.  
Dream Big. Plan or rework your garden design. Pin inspiration, flip through gardening magazines and daydream ways to make your garden even better. Illustrate your garden plan to visualize the entire space.
Plan Small. Make a list of organic edible and flower seeds to grow. Get the most of seed starting by growing unique varieties, heirlooms and expensive grocery store plants. See what seeds to start indoors and when to plant them. 
Listen to the Songbirds. Nothing livens up a dreary, wintry day like a flock of fluttering birds. Fill bird feeders with tasty seeds this winter. 
Take a Look. Walk around your home and garden with a notebook. Imagine how you could reduce water usage, recycle more, compost or conserve energy. Each week in January, try one idea to see what works! Start by recycling your Christmas tree.
Clean It Up. Gather your trusty garden tools, and give them a good scrub. Rinse off the dirt, sharpen the blades and rub vegetable oil on the metal. 
  1. Taste Summer Flavors. Get your green thumb back in the potting soil. Start an indoor herb garden to harvest a garden-fresh taste on the coldest winter days. See what herbs do best indoors here.
Here’s to a home filled with fresh herbs, the sweet song of birds and a stack of gardening magazines. January’s looking quite charming after all!
Original article via espoma.com

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